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ATMs and Shared Branching

Accessible wherever you go.


  • Surcharge-Free Access
    Surcharge-Free Access

    You'll get it throughout the United States and Canada.

  • Variety of Options
    Variety of Options

    Take care of business at CO-OP ATMs, Fifth Third Banks and CO-OP member branches.

  • Easy to Find
    Easy to Find

    Search quickly online to find one near you.

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Convenient ATM and Branch Access When You Travel

Feel At Home.

Whether you're traveling for business or pleasure, it's nice to know you can withdraw money or interact with a branch representative even when you're far away from one of our locations in Grand Rapids or Lansing. We partner with CO-OP and Fifth Third Bank to provide surcharge-free nationwide access to ATMs and credit union branch locations throughout the country. See how your credit union membership helps keep more money in your pocket while always providing convenient service.
As a member of Adventure Credit Union, you naturally have free access at any Adventure Credit Union ATM. We extend your surcharge-free withdrawal access throughout the United States and Canada through our network relationships with CO-OP and Fifth Third Bank.

CO-OP ATM Network: Adventure Credit Union is a member of the CO-OP ATM network, which means you can use nearly 30,000 ATMs nationwide for surcharge-free withdrawals. CO-OP also offers ATMs at a variety of retailers, including select Costco, Walgreens, and 7-Eleven locations. Find one of these ATMs near you.

Fifth Third Bank ATMs: Adventure Credit Union members also can use Fifth Third Bank ATMs for surcharge-free withdrawals, adding another 2,700 ATMs for use nationwide with 400 in the Grand Rapids and Lansing regions. Find a location near you.
As a member of Adventure Credit Union, you can access your Adventure accounts at participating CO-OP Shared Branches throughout the United States. You’re welcome at nearly 5,000 credit union branches and more than 2,000 self-service locations as part of CO-OP Shared Branching, which provides full-service interaction when you need more than just an ATM. That adds up to convenience comparable to the country’s largest banks.

Find a branch on the go with the CO-OP ATM / Shared Branch Locator app!

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There are two primary types of fees associated with the use of an ATM – a surcharge fee and a foreign fee. A surcharge is a fee that may be charged by the ATM owner to the cardholder in exchange for using the ATM if it is outside the credit union's surcharge free network(s). These fees are disclosed at the ATM machine and charged at the time of the transaction. This fee is designed to cover the cost of operating, maintaining, and supplying the ATM with cash.

Using Adventure Credit Union ATMs: Members of Adventure Credit Union who use their Adventure debit card at any Adventure Credit Union ATM are not charged any surcharge and transactions are unlimited. Transactions can be a withdrawal, balance inquiry, transfer, or deposit.

Using a CO-OP ATM: Adventure Credit Union is part of the CO-OP surcharge-free network. Members of Adventure Credit Union who use a CO-OP ATM are not charged a surcharge. Surcharge free transactions can be a withdrawal, balance inquiry, transfer, or deposit.

Using a Fifth Third Bank ATM: Members of Adventure Credit Union who use a Fifth Third Bank ATM are not charged a surcharge on withdrawal transactions. Other types of ATM transactions, such as a balance inquiry, transfer, or deposit, may incur a surcharge fee.

The second type of fee, known as a foreign fee or transaction fee, may be charged to you when you use an ATM that is outside the credit union's ATM network. Unlike surcharges, this charge is not assessed by the machine or its owner and may not show on the ATM screen. As a member of Adventure Credit Union, if you incur a transaction fee, you will see it on your account history and on your monthly statement.

ATM Transaction Fees: Adventure Credit Union members are allowed unlimited free ATM withdrawals at ATMs owned and operated by Adventure Credit Union. You can use Adventure Credit Union ATMs as many times in a month and never pay a fee. However, if you use the other ATMs in our network, each month you are allowed up to 4 no-fee withdrawals if you have Adventure Checking and up to 10 no-fee withdrawals if you have Edge Checking
CO-OP ATM Network and CO-OP Shared Branching were created by credit unions that joined forces to give their members the kind of financial convenience traditionally available only from big banks – all with the savings and personal service you expect from credit unions.

It’s easy to find the nearest location. All this convenience comes with no surcharge fees from either network.

Everyone’s heard of an ATM but what is an ITM? ITM is short for Interactive Teller Machine. It’s a video enhanced ATM providing a personal experience blended with ATM functionality. At the Adventure ITM (located in our GR Downtown branch) you can video chat with a member service representative who can do almost anything you can do right in the branch.

Did you know at an ITM you can:

  • Withdraw amounts large or small, including change
  • Deposit cash or checks without envelope
  • Conduct a transaction with your ATM card
  • Transfer funds between your own accounts and to other members accounts
  • And more

Watch a video to learn more about Adventure's new ITMs.

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